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Convert bank statements to QBO for QuickBooks.
A QBO file is an OFX document with Intuit's conventions: an OFX version 102 header, a financial-institution block and an INTU.BID identifier. QuickBooks refuses files whose INTU.BID it does not recognise, so this converter asks you for those ids rather than guessing them. It never invents a bank identity.
- Balances checked before download
- No card required
- Original PDF deleted after 24 hours
Convert a statement to QBO
STEP 1 / 3Drop a PDF statement here, or
Choose a PDF- PDF only
- text-based or scanned
- password-protected
- up to 5 MB on the free plan
No card required. Files are checked as soon as they are added; originals are deleted 24 hours after processing.
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- Original PDF deleted after 24 hours
- Delete-now control available
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What the QBO file contains.
An OFX 1.02 document with Intuit's Web Connect conventions: a financial-institution block with the INTU.BID you provide, a bank or credit card statement response, a ledger balance, and one STMTTRN record per transaction with a stable FITID.
One STMTTRN record as written to the file
<STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20260803120000[0:GMT]</DTPOSTED> <TRNAMT>-84.17</TRNAMT> <FITID>7d2c…e91a</FITID> <NAME>CARD PURCHASE FRESH MARKET #214</NAME> <MEMO>Card purchase Fresh Market #214</MEMO> </STMTTRN>
How transactions map into QBO records (fictional statement)
| Statement row | TRNTYPE | DTPOSTED | TRNAMT | NAME |
|---|---|---|---|---|
| Payroll deposit ACME Design LLC | CREDIT | 20260802120000[0:GMT] | 2500.00 | PAYROLL DEPOSIT ACME DESIGN LLC |
| Card purchase Fresh Market #214 | DEBIT | 20260803120000[0:GMT] | -84.17 | CARD PURCHASE FRESH MARKET #214 |
| Check 1042 | CHECK | 20260805120000[0:GMT] | -1200.00 | CHECK 1042 |
| Monthly service fee | FEE | 20260831120000[0:GMT] | -12.00 | MONTHLY SERVICE FEE |
Dates are written at noon GMT so QuickBooks keeps the calendar day whatever timezone the computer is in. Descriptions longer than 32 characters continue in the MEMO field.
Why convert bank statements to QBO here.
- 01
No duplicate imports
FITIDs are derived from the account, date, amount, normalised description and row position, so re-converting the same statement yields the same ids and QuickBooks skips what it already has.
- 02
Honest institution ids
QuickBooks rejects files whose INTU.BID it does not recognise. The converter asks you for ORG, FID and INTU.BID instead of guessing a well-known bank's identity.
- 03
Transaction types from context
CHECK when a check number is present, FEE for service charges, INT for interest, PAYMENT for card payments, otherwise DEBIT or CREDIT.
- 04
Credit cards handled
Card statements are written as CCSTMTRS with the liability sign convention: charges negative, payments positive, which is what QuickBooks expects.
- 05
Validated before release
The generated file is parsed back and every amount and FITID compared with the extracted data. A failed round trip stops the export rather than shipping a partial file.
- 06
Reconciled and deleted
Balances are checked against the printed opening and closing figures before you download. Originals are deleted 24 hours after processing; exports and extracted transactions 7 days after conversion; Delete now removes everything immediately.
How to convert a bank statement to QBO
Upload your statement
Drop a PDF into the converter above. Text and scanned files are accepted on every plan, password-protected PDFs from Starter, and you see the page count before anything else happens.
Choose QBO and enter ids
Select QBO, then choose or enter the financial-institution ids (ORG, FID, INTU.BID) QuickBooks expects. The QBO guide shows where to find them.
Review the result
The extracted rows are shown next to the original page. Flagged rows carry a reason; click any row to see where it came from and edit, merge or split it.
Download and import
Download the .qbo file and import it through Web Connect (Desktop) or Upload from file (Online). Exports are regenerated whenever you edit.
QBO technical notes.
The details that decide whether QuickBooks accepts a Web Connect file, written down so nothing is a surprise at import time.
FI block and INTU.BID
ORG, FID, INTU.BID from you
What is a QBO file?
never substituted with another bank's idBANKID placeholder
000000000 when no routing number is printed
fails the ABA checksum, so it never collides with a real bankDates and names
DTPOSTED at noon GMT keeps the calendar day in every timezone
NAME 32 chars, MEMO 255 charsImporting into QuickBooks
Desktop: File › Utilities › Import › Web Connect Files
Import bank transactions into QuickBooks
Online: Transactions › Banking › Upload from file
Bank statement to QBO: questions
QuickBooks only accepts Web Connect files whose INTU.BID is registered with Intuit. Those ids belong to banks, and guessing one would be both unreliable and misleading, so you choose or enter the institution yourself. The QBO file guide shows how to find the values.
FITIDs are computed from the account, date, amount, normalised description and the row's position, so the same statement always yields the same ids and QuickBooks skips transactions it already has. See fixing duplicate transactions for what to do when duplicates come from other sources.
Yes. Card statements are exported as credit card statement responses with charges negative and payments positive, which is what QuickBooks expects for a liability account.
Yes. The generated file is parsed back with the same parser used for imports, and every transaction amount and FITID is compared with the extracted data. The conversion also carries the reconciliation results and confidence score.
Quicken uses QFX, which is a sibling format. Use the OFX converter for Quicken and most other desktop tools; see QFX explained.
QuickBooks Desktop and QuickBooks Online both import Web Connect (.qbo) files, subject to Intuit's current support policy for your edition.
No. This format starts on Starter; the free plan converts to CSV and Excel. Every plan reconciles and reviews the statement the same way; only the export format differs. See pricing.
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